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. [applause] >> good morning. i too am here and happy to be here with scott and rick and jerry. no one else. [laughter] i too want to thank, you know, george washington law and art, others who have done this. it is a terrific program. it is good they do it every year. and i thank them for inviting me and i hope after my remarks i can get invited again. i'm in charge of better markets which is a nonprofit organization that promotes the public interest in the financial markets. you want to talk about a lonely job, join us. to insure i dei have so the compliment frequently sent my way as the manual street loves to hate, i thought i would take, make a few comments on some overarching issues often unspoken. a lot to say. not much time. i'm from boston, i talk fast. if you're thinking of sleeping at this time you want to leave now. very quickly, two quick things on what peter had to say. many my remarks will address them. to say i disagree undo the line would be an understatement. first it ignores the entire fact there was implicit guaranty prior to the crisis all the too-big-to-fail banks would
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